Cornerstone Capital Bank

Manager

• Originate Loans by managing personal production pipeline (sourcing and closing loans) and managing the team pipeline of loans.
• Coaching existing Regional LO’s to assist them in achieving their top potential within the Company
• Recruiting LO candidates for the Region
• Onboarding new LO candidates, including training in the Company’s sales culture and disciplines and coaching to assist them in achieving their top potential within the Company
• Assisting the Regional with production and support strategies

Area Manager – Producing

Associate

• Provide a warm welcome to Realtors and Clients
• Monitor and manage workflow to ensure timely closings
• Maintain product knowledge and stay up-to-date on changes to market conditions
• Comply with all applicable laws and regulations related to mortgage lending
• Communicate with borrowers, processors, operations staff, title companies, Realtors, etc., to expedite the mortgage process
• Request and follow up on required documentation from clients
• Disclose and submit loans to the Operations Department – lots of attention to detail
• Perform basic income calculations
• Provide extraordinary customer service to both internal and external customers
• Meet goals regarding time frames - close clients on time
• Work within a database
• Plan and set up lunch-ins, meetings, etc.
• Market, service, and promote the Company’s loan products

Mortgage Production Associate

Underwriter

• Manage, coach, mentor, and develop a team of residential mortgage underwriters.
• Monitor underwriting pipelines and workload distribution to ensure timely loan decisions.
• Serve as a subject matter expert for underwriting guidelines and credit policy interpretation.
• Conduct performance evaluations and establish performance expectations and accountability measures.
• Ensure accurate and consistent underwriting decisions in accordance with agency, investor, and company guidelines.
• Review and approve complex, high-balance, exception, and escalated loan files.
• Provide guidance and support on challenging credit, income, asset, collateral, and compliance scenarios.
• Maintain a thorough understanding of underwriting guidelines for: Fannie Mae, Freddie Mac, FHA, VA, USDA, Jumbo and Non-QM products.
• Ensure compliance with federal and state lending regulations, including: RESPA, TILA/TRID, ECOA, Fair Lending requirements, HMDA, Anti-Money Laundering (AML) requirements.
• Partner with Sales and Operations leadership to balance production goals and credit risk.
• Evaluate and manage exception requests within delegated authority limits.
• Assist with recruiting, onboarding, training, and retention of underwriting staff.

Underwriting Manager

Financial Planning and Analysis

• Assist with the preparation of monthly management reports and dashboards
• Support the creation of quarterly and annual financial reports
• Compile and analyze financial and operational data for management review
• Assist in reviewing branch profit and loss statements for accuracy and completeness
• Support budgeting and forecasting processes
• Gather, organize, and maintain large datasets from multiple sources
• Perform basic financial analysis and reporting
• Create and maintain spreadsheets, reports, and presentations
• Assist with ad hoc reporting requests from management and business partners
• Help monitor key performance indicators (KPIs) and operational metrics
• Identify trends and anomalies within financial and operational data
• Ensure accuracy and integrity of financial and reporting data
• Collaborate with internal departments to gather information and support business initiatives
• Comply with all applicable laws, regulations, and company policies related to mortgage lending
• Participate in process improvement initiatives and analytical projects

Financial Analyst

• Provide a warm welcome to Realtors and Clients
• You will need to monitor and manage workflow to ensure timely closings
• Maintain product knowledge and stay up-to-date on changes to market conditions
• Comply with all applicable laws and regulations related to mortgage lending
• Communicating with borrowers, processors, operations staff, title companies, Realtors, etc., to expedite the mortgage process
• Request and follow up on required documentation from our clients
• Disclose and submit loans to the Operations Department – lots of attention to detail
• Perform basic income calculations
• Provide extraordinary customer service to both internal and external customers
• Meet goals regarding time frames - we always close our clients on time
• Work within a database
• Plan and set up lunch-ins, meetings, etc.
• Market, service, and promote the Company’s loan products

Loan Officer

• Provide excellent customer service
• Manage client relationships and identify client service and sales needs
• Respond to customer inquiries and referrals that are generated from your contacts
• Conduct interviews with prospective borrowers in order to analyze financial and credit data
• Marketing, promoting, and selling Company’s loan products
• Negotiate rates and terms
• Define and manage customer loan process expectations
• Monitor and manage workflow to ensure timely closing
• Maintain product knowledge and stay up to date on changes to market conditions
• Comply with all applicable laws and regulations released to residential mortgage lending

• Provide strategic and operational leadership for the underwriting organization.
• Drive performance, scalability, and consistency across all lending channels.
• Build a high-performing organization that delivers sound credit decisions.
• Maintain regulatory compliance and support company’s growth objectives.
• Lead enterprise-wide collaboration across Sales, Operations, Capital Markets, Product, Risk, Compliance, and Technology.
• Enhance underwriting capabilities, improve efficiency, and elevate customer and employee experience.
• Set and execute a forward-looking underwriting vision aligned with corporate growth.
• Contribute to enterprise decision-making and cross-functional strategic initiatives.
• Champion continuous improvement through modernization of processes and tools.
• Establish performance frameworks, KPIs, and accountability measures for quality and speed.
• Optimize organizational structure and resource allocation.
• Oversee end-to-end underwriting execution across all products and channels.
• Partner with Technology to advance automation and decisioning tools.
• Develop and mentor senior underwriting leaders to build a strong leadership bench.

SVP Underwriting

Business Analyst

• Lead and support projects across the enterprise, including Processing, Underwriting, and Loan Operations.
• Deliver small to large-scale projects through the full lifecycle, from requirements to deployment/completion.
• Work closely with CHL’s COO, PMO, Operations Executives, IT Department, Product Management, and SME’s.
• Execute system customization, application upgrades, and process improvement projects.
• Manage multiple priorities and provide work direction for project teams.
• Develop and maintain strategic partnerships with senior business unit management, business partners, and project sponsors.
• Participate in change management and process improvement initiatives.

Senior Project Manager – Business Analyst

Administration

• Ensure guidance managed within "Loan Standards" is accurate and clearly communicated
• Provide a smooth experience for Production by being consistent with guidance provided, formatting is familiar and functionality is seamless.
• Perform vital maintenance tasks designed to meet the primary goals of the Loan Standards team
• Perform a twice-monthly publish of all the impactful changes to Loan Standards guidance, known as the “30 Days changes publish.”
• Other duties assigned by leadership

Loan Standards Administrator

Data Analyst

• Independently review and interpret company policies to make decisions on matters of regulatory compliance, investor guidance, and customer impact in regard to loan boarding and servicing transfers
• Independently work with stakeholders including the Executive, Product, Data and Design teams to support their boarding data needs to ensure Cornerstone’s ability to perform loan servicing
• Identify, design, and implement internal process improvements including re-designing infrastructure for greater scalability, optimizing data delivery, and automating manual processes
• Manage incoming loan transfers and origination processes including process documentation (i.e. checklists, transfer instructions, etc.)
• Responsible for exercising discretion in mapping, coding, and formatting data system files and customer information for loan boarding processes
• Develop loan boarding applications for data integrity and timing purposes
• Oversee third party vendors integral to loan-boarding processes
• Perform project management role
• Perform other job-duty-related issues as assigned

Senior Loan Boarding Data Analyst

• Support managers by summarizing, presenting, and advising on all financial aspects (regional and corporate).
• Model current branches to advise on profitability dynamics, and then coordinate product margins and commission rates for each market.
• Assist in recruiting efforts of Loan Originators, by modeling, assessing, and advising on opportunities.
• Participate in the recruiting and development of Joint Venture opportunities, by leading the proforma creation, maintaining strong knowledge of all the platforms offered, and evolving the value provided to partners.
• Act as a CHL representative for joint ventures, presenting all necessary financial reporting and support.
• Play a key role in supporting the Builder Connect program to promote growth in the homebuilding sector.
• Design financial reporting tools for all levels of sales management to better understand and manage key dynamics.
• Complete Stratmor/MBA analysis and summaries for financial benchmarking purposes.
• Attend industry events to network and provide management summaries of recent trends and opportunities.
• Produce annual production forecasts and financial projections.
• Provide ad hoc reporting and analysis as needed.

VP Finance – Strategic Growth

Operations

• Oversee critical initiative to leverage the company’s capabilities as a bank to fund Cornerstone’s mortgage banking retail operations
• Establish mortgage funding lines for joint venture builder partners
• Monitor daily borrowings, advance rates, curtailment schedules, and collateral eligibility
• Review wires, closing docs, and authorize the release of funds to title/settlement agents
• Coordinate with Capital Markets on the gestation and sale of loans to secondary market investors or GSEs
• Evaluate a Warehouse Management System that integrates with Phoenix Core, LV365, and Data Warehouse
• Develop and execute a phased rollout plan for CCB mortgage funding, including staffing, gating criteria, and pilot testing

SVP, Mortgage Funding Operations

• Support builder division managers by summarizing, presenting, and advising on all financial aspects.
• Translate complex financial data into actionable insights that inform decision-making, improve performance, and drive profitability.
• Partner with builder division managers in recruiting efforts for Loan Originators by modeling financial scenarios, assessing market opportunities, and advising on compensation.
• Provide insight into long-term profitability and capture potential to ensure successful, sustainable recruiting decisions.
• Responsible for builder division compensation, from the initial creation of the agreements, changes in salaries and/or base cost centers, through the approval of the monthly commission, incentive, and override reports.
• Model current branches to advise on profitability dynamics and then coordinate product margins and commission rates for each market.
• Design, implement, and maintain financial reporting tools and dashboards for all levels of management to provide visibility into key dynamics.
• Manages a team and oversees the preparation and accuracy of financial reporting and KPI’s for compensation purposes.
• Act as a CHL representative for builder division joint ventures (10+), presenting all necessary financial reporting and support.
• Lead annual builder division budgeting process and mid-year forecasting, combined with working with regional managers and joint venture shareholders to develop strategic business decisions.
• Provide ad hoc analyses and reports to respond to emerging business needs from CHL, ABA/JVs, and executive management.
• Perform other duties as assigned.

Area Manager – Producing

Mortgage Production Associate

Underwriting Manager

Financial Analyst

Mortgage Production Associate

Area Manager – Producing

Loan Officer

SVP Underwriting

Senior Project Manager – Business Analyst

Area Manager – Producing

Loan Standards Administrator

Senior Loan Boarding Data Analyst

VP Finance – Strategic Growth

SVP, Mortgage Funding Operations

VP Finance, Builder Division